Benchmark
See what each carrier pays
For every insurance carrier in a market, see the most common rate, the middle rate, and the highest rate that the carrier's published files show.
Starset Rate Compass by Third Horizon
Commercial reimbursement rates, finally in the open. The data payers always had is now yours.
Rates for mental health and substance use disorder services, in one place. These market insights can inform providers in rate negotiations, support advocacy, diversify revenue streams, show where new business can improve access to care, and much more.
Type your contracted per-diem above — the needle finds where you sit among every reported Residential rate in Illinois.
$600
MEDIAN
$925
$1,325
Live preview · Illinois · SUD levels of care · commercial insurance carriers. Every state and the District of Columbia is now live.
The platform
Starset Rate Compass by Third Horizon turns new payer transparency data into actionable contracting intelligence for mental health and substance use disorder providers.
For the first time, CCBHCs, CMHCs, SUD facilities, and other in-network or out-of-network behavioral health providers can see how commercial payers reimburse peer organizations in their state and across the country. The platform provides specific views of published contracted rates by payer, service line, level of care, geography, and facility type, with benchmarks against comparable providers, Medicare, and Medicaid.
Built by Third Horizon’s leading behavioral health payment experts, Starset Rate Compass helps providers move from rate opacity to market insight. That intelligence supports smarter contracting, stronger network strategy, commercial revenue diversification, and expanded access to care.
How it works
Negotiated rates, brought into the open. Organized by the levels of care your programs deliver.
Compare
Compare against public rates
Put a commercial rate next to Medicare and Medicaid for the same service, and next to what other providers in the market are paid.
Reviewed by experts
Clear about what the data shows
Some carriers publish too few rates for a reliable comparison. Where that happens, we show no rate, and we say so.* Third Horizon's behavioral health payment experts review every data release.
Rate Compass in practice
The network / contracting director
The situation
A Community Mental Health Clinic’s network director wants to grow revenue beyond Medicaid, but diversification runs in two directions: which commercial payers pay competitively for existing services, and which new service line is worth adding in the first place. Without market data, both decisions default to guesswork — chasing a payer that underpays, or building a service the market won’t support at a viable rate.
How Rate Compass helps
Revenue diversification relies on payer mix and service line offerings. Benchmark what payers actually pay by service line, geography, and facility type, then run the Starset Rate Compass Opportunity Calculator to turn a target rate into a projected revenue number before you commit budget and staff.
Explore your state
Clinician
The situation
A licensed clinical social worker running a small private outpatient SUD practice receives a contract offer from a regional commercial payer. They have never seen what that payer reimburses anyone else for the same CPT codes in their state, so they have no basis to negotiate, only the payer’s word that the offer is reasonable.
How Rate Compass helps
You shouldn’t have to guess whether a contract offer is aligned with market rates. See what payers actually reimburse for your service lines and level of care.
Explore your state
Residential director
The situation
A residential SUD or behavioral health treatment facility administrator is evaluating a payer’s proposed per diem rate for residential level of care, with no external reference point for whether that rate is in line with what comparable residential providers are receiving in the region — residential per diems are rarely benchmarked publicly, unlike outpatient CPT codes.
How Rate Compass helps
Residential per diems vary widely, and there are no public benchmarks to check them against. Starset Rate Compass shows what comparable residential treatment providers are actually paid, by geography and facility type, to know whether a per diem offer is fair before signing.
Explore your state
Multi-state operator
The situation
A multi-state or virtual-first behavioral health group contracts with commercial payers across a dozen-plus states, each with a different payer landscape, and no consistent way to see whether negotiated rates are competitive market by market. Contracting teams end up negotiating state by state with no visibility into which markets are already underpaying relative to peers.
How Rate Compass helps
Multi-state and virtual care operators can’t manage rates with spreadsheets and anecdotes. Starset Rate Compass benchmarks rates state by state as coverage expands, updating the underlying data on a quarterly basis.
Explore your stateNetwork director, expanded
Pricing
One state. One price. Every tool.
Stop settling for the standard 2–3% bump off a rate that was never fair to begin with. One annual price gets you everything in Rate Compass for your state(s) — provider lookups, the Opportunity Calculator, and comparisons to Medicare and Medicaid — and it pays for itself the next time you're at the table.
Annual
From $750/yr
Billed once a year, per state — from $750 for one state, with lower per-state prices as you add states, up to national coverage. The price includes all of the benchmarks, the comparison against Medicare and Medicaid rates, the Opportunity Calculator, and the payer letter tool. A second service line (mental health or SUD) is +20%. Cancel at any time.
Pick your statesWhat you get
What a subscription to one state includes
- Organization by Level of Care
- Inpatient · Residential · PHP · IOP · Outpatient — each with its billing code options, the spread of rates, the rates by carrier, and all negotiated rates sorted by provider type in each state.
- Commercial Insurance Networks
- Blue Cross Blue Shield, United Healthcare/Optum, Cigna/Evernorth, Aetna/CVS, all organized the way provider contracts flow in behavioral health for the largest national networks. For each carrier: the most common rate, the peak rate, and the upper bound.*
- The Payers' Own Data
- Insurers are recently required to publish machine-readable files for all providers and codes. Their size and complexity make them inaccessible and opaque. We process them, organize them, and refresh the data as insurers update theirs, materializing the promise of transparency the rule was meant to create.
- Built by People Who Have Been at The Table
- This isn't a data tool built by outsiders. Third Horizon's mental health and substance use disorder experts have supported hundreds of providers in their strategy and in structuring this conversation with payers.
* Not all published rates are sufficient for statistical analysis, because of limits on how many rates a carrier publishes for a service. Where there are too few, we show no rate for that carrier.
FAQ
Straight answers.
Where does the data come from?
Rates come from the Transparency in Coverage files that insurers must publish. We read, process, and organize those files so that you can compare rates by state, county, provider type, service, and insurance carrier.
How do I know it's accurate?
Third Horizon's behavioral health team reviews the insurers' published files for accuracy and outliers. Where the rates do not align with market rates, or where there are too few for a reliable comparison, we flag as outliers rather than provide unreliable information.
Which states are available?
All 50 states and the District of Columbia are available.
Can I cancel?
Yes, anytime, from your account. Annual subscription access will remain in place to the end of the paid period.
How many people in my organization get access?
Each subscription provides access to up to three members of your team. Additional user access credentials can be added for $100 per subscription.
Is this contracting advice?
No. Starset Rate Compass provides rate benchmarks and market context, not legal, financial, or contracting advice. The platform data can help providers prepare for payer conversations, but each organization should make contracting decisions based on its own strategy, contracts, counsel, and financial position.
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